UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Commission file number 0000-10792 Horizon Bancorp, Inc. (Exact name of registrant as specified in its charter) | Indiana | 35-1562417 | | --- | --- | | (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) | 515 Franklin Street, Michigan City, Indiana ...

Horizon Bancorp, Inc. (NASDAQ:HBNC) Q4 2021 Earnings Conference Call January 27, 2022 8:30 AM ET Company Participants Craig M. Dwight – CEO Jim Neff – Executive Vice President Mark E. Secor – CFO Noe S. Najera – Senior Vice President for Retail Lending Dennis J. Kuhn – Executive Vice President and Chief Commercial Banking Officer Lynn M. Kerber – Executive Vice President and Senior Commercial Credit Officer Conference Call Participants Terry McEvoy – Stephens David Long – Raymond James Damon Delmonte – KBW ...

Financial Performance Highlights - Diluted EPS reached $0.49 for the quarter, or an adjusted $0.54[6,8] - The consumer loans (excluding acquired loans) increased by 1.9% in Q4 and 2.7% YTD, reaching a record of $727.3 million[6] - Commercial loans (excluding PPP & acquired loans) increased by 2.4% in Q4 and YTD, reaching a record of $2.13 billion[6] - Net interest income was $49.976 million, up 7.4% compared to the previous quarter and 14.6% compared to the same quarter last year[8] - Average earning assets were $6.938 billion, up 15.0% compared to the previous quarter and 29.3% compared to the same quarter last year[8] Expense Management and Efficiency - The company maintained a non-interest expense to average assets ratio of 2.09%, or 1.95% excluding acquisition and ESOP settlement expenses[7] - The efficiency ratio was 62.69%, or an adjusted 58.25%[7,8] Loan Portfolio and Credit Quality - Total outstanding consumer loans reached $727 million as of December 31, 2021[55] - Total outstanding prime mortgage loans reached $594 million as of December 31, 2021[58] - Commercial loan portfolio, excluding PPP loans, increased approximately $51 million, or 10% annualized, during Q4 2021[9,60] - The allowance for credit losses to total loans was 1.51%[8] Deposits and Funding - Average total deposits were $5.910 billion, up 17.9% compared to the previous quarter and 31.7% compared to the same quarter last year[8] - Total deposits at $5.8 billion as of December 31, 2021, with non-interest bearing deposits accounting for 23%, interest bearing deposits 64%, and CDs 13%[48]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from________to Commission file number 0-10792 HORIZON BANCORP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation ...

Horizon Bancorp, Inc. (NASDAQ:HBNC) Q3 2021 Results Earnings Conference Call October 28, 2021 8:30 AM ET Company Participants Craig Dwight - Chairman, Chief Executive Officer Mark Secor - Executive Vice President, Chief Financial Officer Jim Neff - President Dennis Kuhn - Executive Vice President, Chief Commercial Banking Officer Conference Call Participants Nathan Race - Piper Sandler Damon DelMonte - KBW Daniel Thomas - Stephens Brian Martin - Janney Montgomery Operator Good morning everyone and welcome t ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from________to Commission file number 0-10792 HORIZON BANCORP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or or ...

Horizon Bancorp, Inc. (NASDAQ:HBNC) Q2 2021 Earnings Conference Call July 28, 2021 8:30 AM ET Company Participants Craig Dwight - Chairman & CEO Mark Secor - EVP & CFO Dennis Kuhn - EVP & Chief Commercial Banking Officer Conference Call Participants Nathan Race - Piper Sandler Terry McEvoy - Stephens Damon DelMonte - KBW Brian Martin - Janney Operator Good morning, everyone, and welcome to the Horizon Bancorp Conference Call to discuss financial results for the three months ended June 30, 2021. All particip ...

BANCORP, INC. A NASDAQ Traded Company - Symbol HBNC INVESTOR PRESENTATION | JULY 27, 2021 E X C E P T I O N A L S E R V I C E • S E N S I B L E A D V I C E ® Important Information Forward-Looking Statements This presentation may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Horizon Bancorp, Inc. and its affiliates (collectively, "Horizon"). For these statements, Horizon claims the protection of the safe harbor for forward-looki ...

Horizon Bancorp Inc. (NASDAQ:HBNC) Q1 2021 Earnings Conference Call April 29, 2021 8:30 AM ET Company Participants Craig Dwight – CEO Mark Secor - CFO Dennis Kuhn - EVP & Chief Commercial Banking Officer Conference Call Participants Nathan Race - Piper Sandler Terry McEvoy - Stephens Brian Martin - Janney Operator Good morning, everyone, and welcome to the Horizon Bancorp Conference Call to discuss financial results for the three months ended March 31, 2021. All participants will be in listen-only mode. [Op ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from________to Commission file number 0-10792 HORIZON BANCORP, INC. (Exact name of registrant as specified in its charter) Indiana 35-1562417 (State or other jurisdiction of ...